Cheapest car insurance for high-risk drivers in Iowa
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Iowa is State Farm, followed by Nationwide and Travelers.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,177 | $98 |
| Nationwide | $1,498 | $125 |
| Travelers | $1,571 | $131 |
| Geico | $1,777 | $148 |
| American Family | $1,830 | $153 |
| Auto-Owners | $1,902 | $159 |
| Allstate | $1,960 | $163 |
| Farmers | $2,007 | $167 |
| Progressive | $2,536 | $211 |
| USAA | $1,400 | $117 |
Average rates for high-risk drivers in Iowa by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,021 |
| American Family | $1,350 |
| Nationwide | $1,411 |
| USAA | $1,495 |
| Travelers | $1,514 |
| Auto-Owners | $1,558 |
| Geico | $1,898 |
| Farmers | $2,035 |
| Allstate | $2,184 |
| Progressive | $2,910 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Iowa for a driver with a DUI is State Farm with an average annual of $958 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $958 | $80 |
| Travelers | $1,591 | $133 |
| American Family | $1,692 | $141 |
| Nationwide | $1,824 | $152 |
| Geico | $1,911 | $159 |
| Farmers | $1,950 | $163 |
| Progressive | $2,086 | $174 |
| Allstate | $2,088 | $174 |
| Auto-Owners | $2,139 | $178 |
| USAA | $1,683 | $140 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Iowa, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $958 per year or $80 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $958 | $80 |
| Auto-Owners | $1,352 | $113 |
| Nationwide | $1,363 | $114 |
| Travelers | $1,524 | $127 |
| American Family | $1,692 | $141 |
| Allstate | $1,735 | $145 |
| Geico | $1,816 | $151 |
| Farmers | $1,893 | $158 |
| Progressive | $2,405 | $200 |
| USAA | $1,190 | $99 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Iowa, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $958 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $958 | $80 |
| Travelers | $1,591 | $133 |
| Geico | $1,654 | $138 |
| Nationwide | $1,824 | $152 |
| Allstate | $2,088 | $174 |
| American Family | $2,131 | $178 |
| Auto-Owners | $2,139 | $178 |
| Farmers | $2,236 | $186 |
| Progressive | $2,624 | $219 |
| USAA | $1,430 | $119 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Iowa is Nationwide with an average annual cost of $1,253 or $104 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,253 | $104 |
| Geico | $1,648 | $137 |
| Travelers | $1,672 | $139 |
| American Family | $2,080 | $173 |
| Farmers | $2,178 | $182 |
| State Farm | $2,269 | $189 |
| Allstate | $2,379 | $198 |
| Auto-Owners | $3,075 | $256 |
| Progressive | $3,292 | $274 |
| USAA | $1,718 | $143 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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